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"If frugality is supposed to make me rich, why am I scrimping and saving, yet still hurting for money?"

"If a good paying job is supposed to make me rich, why am I still broke at the end of the month?"

Benjamin Franklin put it like this:

"The way to wealth is as plain as the way to market. It depends chiefly on two words, industry and frugality: that is, waste neither time nor money, but make the best use of both. Without industry and frugality nothing will do, and with them everything."

Maybe the pennies in your pocket are falling out faster than you can put them in. Or maybe there just w﻿﻿eren't enough there to begin with! Where to start?1. It's a good idea to first figure out where all of your household money is going. Track expenses like a hawk for one month. Find unnecessary or unfulfilling purchases that can be cut out.2. Figure out were all of your time is going. For one day- or a whole week if you're ambitious- track your activities like a hawk. How much time are you really spending on Facebook, or watching movies, or doing other things that don't matter? Take those hours and use them to do something productive: learning a new skill, for example. Something that will save you time or money.

It becomes easy to be frugal and industrious when you are always learning. Click here to start.